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Get Cheap Car Insurance in Emerald Isle, NC
We monitor insurance prices, helping the average driver in Emerald Isle save up to 33.1% on car insurance.
The Cheapest Minimum Coverage in Emerald Isle
The chart below shows the cheapest car insurance company in Emerald Isle for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Midvale Home & Auto, followed by Erie Insurance, Farm Bureau, and Progressive.
| Emerald Isle Insurer | Monthly Cost |
|---|---|
| Midvale Home & Auto | $45 |
| Erie Insurance | $46 |
| Farm Bureau | $48 |
| Progressive | $51 |
Savings for Every Kind of Emerald Isle Driver
Based on our extensive insurance data, we know the average Emerald Isle driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $227 per year by choosing the right vehicle insurance company. Some Emerald Isle residents are paying out over $1,185 extra every year for auto insurance in Emerald Isle. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Emerald Isle, NC Savings / Yr. |
|---|---|
$227 |
|
$495 |
|
$360 |
|
$919 |
|
$682 |
|
$275 |
|
$412 |
Emerald Isle Car Insurance vs. North Carolina
People living in Emerald Isle pay an average of 5.22% less than the typical driver in the state. The average driver in Emerald Isle can expect to pay about $710 per year, or $1,185 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Emerald Isle for most people.
Car Insurance Prices by Emerald Isle Neighborhood
Insurance Prices
Where is insurance cheapest within Emerald Isle?
The map shows insurance prices in and around Emerald Isle, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $35 per year within the city boundaries, with insurance premiums ranging from a high of $1,205 to a low of $1,170. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the East parts of Emerald Isle.Pick the Best Car Insurance Company for You in Emerald Isle
The best car insurance provider for most drivers in Emerald Isle
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $227 over the average Emerald Isle car insurance company.
The best car insurance provider for Emerald Isle drivers with accidents on their records
In our analysis, Erie Insurance saved the average person who had been in an accident the most, with annual savings averaging $495 over the competition.
The best car insurance company for Emerald Isle drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $360 better than other car insurance companies.
The best auto insurance for Emerald Isle drivers with a DUI conviction
Getting a quote from Kemper may cost the average person with a DUI about $919 less each year.
The least expensive car insurance company for new and young drivers in Emerald Isle
In Emerald Isle, State Farm costs young drivers $682 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Emerald Isle
Erie Insurance gave the largest car insurance discounts to married couples, averaging $275 saved each year compared to an average Emerald Isle couple's premiums.
The cheapest car insurance in Emerald Isle for drivers with bad credit
The best Emerald Isle car insurance company for customer service
Nationwide was the best company for customer service in Emerald Isle according to the NAIC.
Recent price drops
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The cheapest large national provider in Emerald Isle
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Emerald Isle driver can expect to pay about $87 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Emerald Isle, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Emerald Isle
What Influences the Cost of Car Insurance in Emerald Isle?
On average, car insurance in Emerald Isle is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- North Carolina state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Emerald Isle are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Emerald Isle is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Emerald Isle is $59 per month for minimum coverage and $99 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Cape Carteret: Insurance costs 3.12% less
- Cedar Point: Insurance costs 2.11% less
- Bogue: Insurance costs 3.71% less
- Peletier: Insurance costs 1.18% less
- Swansboro: Insurance costs 3.29% less
- Broad Creek: Insurance costs 0.93% more
- Salter Path: Insurance costs 1.18% less
- Indian Beach: Insurance costs 1.18% less
- Stella: Insurance costs 1.27% more
- Hubert: Insurance costs 0.68% more
Cities with Similar Populations
- Essex: Insurance costs 27.85% more
- Arcadia: Insurance costs 45.06% more
- Monroeville: Insurance costs 2.95% less
- Midway South: Insurance costs 57.47% more
- Marble: Insurance costs 2.62% more
- Lincoln: Insurance costs 19.75% less
- Lewiston: Insurance costs 136.03% more
- Lake Crystal: Insurance costs 28.02% more
- Helena Valley Northeast: Insurance costs 34.09% more
- Hawthorne: Insurance costs 68.19% more